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True Profit & Take-Home Calculator

Find your real profit after all costs

Most store owners look at revenue or gross sales and assume they are profitable.

Between ad spend, cost of goods, shipping, payment gateway fees, staff wages, taxes, and the value of your own time, your real take-home is often very different.

What the calculator shows you

  1. The profit calculator showing unit economics: selling price ₦20,000, COGS ₦7,000, shipping ₦2,000, and 1.5% gateway fee.
    Input your direct costs & volumeYour selling price, product COGS, packaging, shipping subsidies, and gateway fees.
  2. The staff and labor valuation step: ₦150k monthly payroll, 20 hrs/week at ₦5,000/hr, and 7.5% tax reserve.
    Factor in staff, taxes & your hoursYour team's monthly payroll, tax reserve, and valuing your own hours at a fair wage.
  3. The true take-home results: ₦678,500/mo take-home, ₦7,825/hr effective rate, 12.3% net margin, and cost breakdown waterfall.
    Know your true take-home & break-evenYour real effective hourly rate, net business profit, break-even orders, and revenue waterfall.

Example numbers. Your plan is worked out from your own.

Unlock the True Profit & Take-Home Calculator

Calculate what you actually keep from every sale after ads, fulfillment, taxes, staff, and your time.

Choose your calculator version:
One-off payment. Come back to it whenever you like.

Worked examples

See how real product costs, advertising fees, staff payroll, and founder hours affect your true take-home.

Can I afford a $560/mo staff member and $1,300 in ads at my $75 price point?
  • Sells for $75
  • $26 product cost (COGS)
  • $9.40 delivery & packaging subsidy
  • $1,300/mo ad spend across Meta & Google
  • $560/mo team payroll
  • 20 hrs/week founder labor @ $19/hr
  • $190 overhead, 7.5% tax reserve
Unit Gross Profit
$49
Direct Costs / Unit
$37
Gross Margin
65%
Take-Home · 50 orders / month-$135Effective wage: -$135/mo (-$2/hr · wage value $1,650 + net profit -$1,783). Break-even: 97 orders.
Take-Home · 100 orders / month$1,760Effective wage: $1,760/mo ($20/hr · wage value $1,650 + net profit $113). Break-even: 97 orders.
Take-Home · 150 orders / month$3,520Effective wage: $3,520/mo ($41/hr · wage value $1,650 + net profit $1,880). Break-even: 97 orders.
Realistic business scenarios with staff, advertising, and founder labor. Your plan calculates from your own exact numbers.
I sell 150 fashion orders a month at $50, but have zero money left after working 35 hrs/week. Why?
  • Sells for $50
  • $22 garment & tailoring cost
  • $8.30 shipping subsidy & mailer
  • $1,300/mo ad spend (₦2,667/order)
  • $330/mo packager & dispatch help
  • 35 hrs/week founder time @ $17/hr
  • $200 overhead, 7.5% tax reserve

Net profit is negative (-1,701 / mo). At 150 orders, your volume is below the break-even threshold (242 orders needed).

Unit Gross Profit
$28
Direct Costs / Unit
$32
Gross Margin
56%
Take-Home · 100 orders / month-$48Effective wage: -$48/mo (-$0/hr · wage value $2,580 + net profit -$2,627). Break-even: 242 orders.
Take-Home · 150 orders / month$878Effective wage: $878/mo ($6/hr · wage value $2,580 + net profit -$1,701). Break-even: 242 orders.
Take-Home · 200 orders / month$1,800Effective wage: $1,800/mo ($12/hr · wage value $2,580 + net profit -$775). Break-even: 242 orders.
Realistic business scenarios with staff, advertising, and founder labor. Your plan calculates from your own exact numbers.
How many orders of my $150 skincare bundle do I need to pay myself $3,300/month after ads, staff, and taxes?
  • Sells for $150
  • $40 organic formula & custom bottles
  • $12 premium unboxing box & delivery
  • $2,000/mo Meta & influencer ad budget
  • $830/mo warehouse & support payroll
  • 25 hrs/week founder labor @ $33/hr
  • $330 overhead, 10% tax reserve
Unit Gross Profit
$110
Direct Costs / Unit
$54
Gross Margin
73%
Take-Home · 50 orders / month$1,600Effective wage: $1,600/mo ($15/hr · wage value $3,570 + net profit -$1,973). Break-even: 71 orders.
Take-Home · 80 orders / month$4,390Effective wage: $4,390/mo ($40/hr · wage value $3,570 + net profit $812). Break-even: 71 orders.
Take-Home · 120 orders / month$7,840Effective wage: $7,840/mo ($72/hr · wage value $3,570 + net profit $4,260). Break-even: 71 orders.
Realistic business scenarios with staff, advertising, and founder labor. Your plan calculates from your own exact numbers.

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